BRAC Bank Limited has recorded a stellar financial performance for the first half of 2026, delivering substantial growth across its operating metrics, balance sheet expansion, and profitability. The results demonstrate the institution’s robust business model, heightened operational efficiency, and strict adherence to sound governance principles amidst a competitive banking landscape.
The financial breakdown presented below details the bank’s key metrics for the period ending 30 June 2026 compared with previous benchmark periods:
| Financial Metric | H1 2025 / FY 2025 | H1 2026 | Growth / Change (%) |
| Standalone Net Profit | BDT 620 crore | BDT 1,033 crore | +67.0% |
| Consolidated Net Profit (After Tax) | BDT 906 crore | BDT 1,423 crore | +57.0% |
| Customer Deposits | BDT 77,600 crore* | BDT 97,000 crore+ | +25.0% |
| Loans and Advances | BDT 64,400 crore* | BDT 76,000 crore+ | +18.0% |
| Total Funds Under Management | BDT 142,000 crore* | BDT 173,000 crore+ | +21.8% |
| Cost-to-Income Ratio | 48.0% | 42.0% | -600 bps |
| Consolidated Earnings Per Share (EPS) | BDT 3.09 | BDT 5.07 | +64.1% |
| Consolidated Net Asset Value (NAV) Per Share | BDT 44.84 | BDT 49.38 | +10.1% |
| Non-Performing Loan (NPL) Ratio | 2.27% | 2.03% | -24 bps |
| Growth Rates vs Sector Average | Industry Benchmark | Outperformed | N/A |
*Note: Figures derived from corresponding growth rates for comparative context.
During a virtual earnings presentation, the executive leadership outlined how strategic priorities—specifically digital transformation, rigorous cost optimization, and enhanced workforce productivity—drove down the bank’s cost-to-income ratio significantly. The bank’s credit portfolio continued to expand whilst simultaneously improving asset quality, as reflected in the decline of non-performing loans. Deposits and lending metrics consistently surpassed the broader domestic banking sector’s average growth rates.
Reflecting on the performance, Tareq Refat Ullah Khan, Managing Director and Chief Executive Officer of BRAC Bank, attributed these accomplishments to customer trust, disciplined execution, and strong institutional governance, which continue to drive sustainable value for stakeholders.
